How to use this SIP calculator

1. Enter how much you plan to invest every month. You can type it or use the slider.
2. Choose the number of years you plan to stay invested.
3. Enter an expected yearly return. This is only your assumption, not a promise.
4. Add a yearly step-up if you plan to raise your SIP each year, for example after a salary hike. Leave it at 0 if not.
5. Read your result: total invested, estimated returns and estimated value. Open “Year-by-year growth” to see each year’s SIP amount and value.

Worked example

Priya, 26, decides to invest ₹3,000 every month for 10 years. She tries an assumed return of 12% a year with no step-up.

The calculator shows she puts in ₹3.60 lakh. The estimated value is about ₹6.97 lakh, so estimated growth is about ₹3.37 lakh.

Next, she adds a 10% yearly step-up. Her SIP rises a little each year. Now she invests about ₹5.74 lakh, and the estimated value is about ₹10.12 lakh.

Finally, she checks a lower assumption of 8%. With no step-up, the estimated value drops to about ₹5.52 lakh. The return you assume changes the answer a lot.

What your result means

• “Total invested” is your own money. It does not depend on any return.
• “Estimated returns” is growth from compounding, based only on the rate you typed. Real returns can be higher or lower, and they are not guaranteed.
• Past returns do not predict future returns. Try a few different rates to see a range, not one number.
• Time matters. The longer the period, the bigger the growth part becomes in this maths.
• Before you invest, keep an emergency fund ready. Use the emergency fund calculator to plan it.

Questions people ask

Which return rate should I enter?

There is no correct number. Try a cautious rate and a hopeful one, and plan with the cautious result. For choosing actual investments, speak to a SEBI-registered investment adviser.

What does the yearly step-up do?

It raises your monthly SIP by that percentage once every year. It shows how small increases, like saving part of each raise, can add up.

Is this calculator advice on what to buy?

No. It is a maths tool for learning. It does not suggest any product, and nothing you enter is a recommendation.

This content is for general education only and is not financial, investment, tax or legal advice. Please consult a qualified professional before making financial decisions.